Site Security

What is SSL?

Encrypted 1003

The Encrypted 1003 utilizes secure socket
layer (SSL), frequently referred to as "Netscape"
encryption. This allows both Netscape and Microsoft Explorer
browsers to communicate with our server in a secure
SSL encrypted session. It is often used to securely transfer
credit card numbers and other sensitive information.

Fraud Protection

These security features protect transactions
from misappropriation and fraud that could otherwise occur as
information passes through Internet computers. Without thorough
security, information transmitted over the Internet is susceptible
to fraud and other misuse by intermediaries.

Complete Protection

The Internet does not provide
built-in security. This is why our 1003 residential loan application
is not e-mailed. To increase security and privacy, we will be
notified via e-mail of your completed 1003 application and we
are required to access the completed 1003 via encryption, username,
and password. The SSL protocol delivers server authentication,
data encryption, and message integrity.

How does it work?

Client/Server Protocols

SSL is layered beneath application protocols
such as HTTP, Telnet, FTP, Gopher, and NNTP, and layered above
the connection protocol TCP/IP. This strategy allows SSL to operate
independently of the Internet application protocols. With SSL
implemented on both the client and server, your Internet communications
are transmitted in encrypted form, ensuring privacy. Due to this
encryption process, documents that are encrypted may take longer
to download.

Digital Certificates

Netscape Navigator and Microsoft Explorer
deliver server authentication using signed digital certificates
issued by trusted third parties known as certificate authorities.
A digital certificate verifies the connection between a server's
public key and the server's identification (just as a driver's
license verifies the connection between your photograph and your
personal identification). Cryptographic checks, which check digital
signatures, ensure that information within a certificate
can be trusted.

Web Addresses

You can tell whether a document comes from
a secure server by looking at the Universal Resource Locator
(URL) field. If the URL begins with https:// (instead of http://),
the document comes from a secure server. You need to use https://
for URLs with SSL and http:// for URLs without SSL.

What does a digital certificate do?

Public/Private Key Pairs

Digital Certificates are protected by public
and private key pairs linked by a powerful cryptographic algorithm.
These keys have the ability to encrypt and decrypt information.
No one else's keys can decipher messages you send that are encrypted
with your public key. Also, no one else's keys can be used to
pose as you by sending messages encrypted with your private key.

Digital Certificates

Netscape Navigator and Microsoft Explorer
deliver server authentication using signed digital certificates
issued by trusted third parties known as certificate authorities.
A digital certificate verifies the connection between a server's
public key and the server's identification (just as a driver's
license verifies the connection between your photograph and your
personal identification). Cryptographic checks, which check digital
signatures, ensure that information within a certificate
can be trusted.

Web Addresses

You can tell whether a document comes from
a secure server by looking at the Universal Resource Locator
(URL) field. If the URL begins with https:// (instead of http://),
the document comes from a secure server. You need to use https://
for URLs with SSL and http:// for URLs without SSL.